PNB Housing Finance Ltd Stock Price Today (NSE: PNBHOUSING)
Fundamental Score
PNB Housing Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
PNB Housing Finance Ltd share price today is ₹1090.00, up +5.51% on NSE/BSE as of 3 August 2026. PNB Housing Finance Ltd (PNBHOUSING) is a Large-cap company in the Housing Finance Company sector with a market capitalisation of ₹28.77K (Cr). The 52-week high for PNBHOUSING share price is ₹1132.70 and the 52-week low is ₹729.60. At a P/E ratio of 12.56x, PNBHOUSING is currently trading below its industry average P/E of 16.67x. The company has a Return on Equity (ROE) of 12.70% and a debt-to-equity ratio of 3.70.
PNB Housing Finance Ltd Share Price Chart — NSE/BSE Historical Performance
PNB Housing Finance Ltd share price chart: 0.12% return over the past month. 52-week high ₹1132.70, 52-week low ₹729.60.
PNB Housing Finance Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹1057.00 | ₹1094.50 | ₹1049.70 | ₹1090.00 | 11.94L (Cr) | |
| ₹1033.00 | ₹1059.40 | ₹1028.10 | ₹1053.10 | 11.18L (Cr) | |
| ₹1059.70 | ₹1061.80 | ₹1024.20 | ₹1033.10 | 9.03L (Cr) | |
| ₹1072.50 | ₹1083.90 | ₹1055.00 | ₹1056.30 | 4.97L (Cr) | |
| ₹1077.00 | ₹1086.70 | ₹1053.20 | ₹1069.40 | 9.80L (Cr) | |
| ₹1068.00 | ₹1085.50 | ₹1051.60 | ₹1078.50 | 9.38L (Cr) | |
| ₹1055.00 | ₹1080.00 | ₹1043.00 | ₹1058.00 | 4.29L (Cr) | |
| ₹1095.90 | ₹1102.50 | ₹1077.10 | ₹1094.00 | 5.84L (Cr) | |
| ₹1101.80 | ₹1107.10 | ₹1088.20 | ₹1098.40 | 6.53L (Cr) | |
| ₹1098.90 | ₹1102.10 | ₹1072.70 | ₹1099.80 | 4.64L (Cr) |
PNB Housing Finance Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹1057.00 | ₹1094.50 | ₹1049.70 | ₹1090.00 | +3.12% | |
| ₹1038.40 | ₹1132.70 | ₹1024.20 | ₹1053.10 | +1.42% | |
| ₹1040.00 | ₹1079.90 | ₹950.00 | ₹1038.40 | -0.15% | |
| ₹1050.00 | ₹1105.00 | ₹1020.70 | ₹1030.50 | -1.86% | |
| ₹786.85 | ₹1068.50 | ₹754.30 | ₹1045.65 | +32.89% | |
| ₹811.15 | ₹827.70 | ₹729.60 | ₹755.05 | -6.92% | |
| ₹805.50 | ₹872.00 | ₹779.90 | ₹824.75 | +2.39% | |
| ₹954.00 | ₹1015.75 | ₹798.75 | ₹822.40 | -13.79% | |
| ₹910.20 | ₹970.85 | ₹854.85 | ₹951.50 | +4.54% | |
| ₹929.00 | ₹952.75 | ₹868.05 | ₹905.30 | -2.55% | |
| ₹863.95 | ₹946.00 | ₹833.30 | ₹928.70 | +7.49% | |
| ₹760.00 | ₹915.50 | ₹751.05 | ₹863.60 | +13.63% |
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
PNB Housing Finance Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
PNB Housing Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of PNBHOUSING across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (88.68%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 12.56 vs Industry: 16.67)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Excellent EPS Growth (19.52% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (19.70% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Institutional Confidence (FII+DII: 60.67%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Suboptimal ROCE (9.40%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Limited Growth History (2.26% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Elevated Debt Levels (D/E: 3.70)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.59x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-17462.62 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Low Promoter Commitment (28.04%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
PNB Housing Finance Ltd vs Housing Finance Company Peers
Peer Comparison - Housing Finance Company
Compare PNB Housing Finance Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
PNB Housing Finance LtdPNB Housing Fin...Selected✓ PNBHOUSING • 540173 | 34.3/100 | ₹1090.00₹1090 | ₹28773.05₹28773.05 | 12.56Average 12.6 Average | 12.70%Average 12.70% Average | 9.40%Poor 9.40% Poor | 3.70Poor 3.7 Poor | 19.70%Excellent 19.70% Excellent | 2.26%Average 2.26% Average | 0.72% |
Bajaj Housing Finance LimitedBajaj Housing F... BAJAJHFL • 544252 | 54.1/100 | ₹86.02₹86 | ₹72891.30₹72891.30 | 28.35Average 28.4 Average | 12.11%Average 12.11% Average | 8.85%Poor 8.85% Poor | 4.60Poor 4.6 Poor | 41.48%Excellent 41.48% Excellent | 28.72%Excellent 28.72% Excellent | 0.00% |
LIC Housing Finance LtdLIC Housing Fin... LICHSGFIN • 500253 | 40.5/100 | ₹523.10₹523 | ₹30214.98₹30214.98 | 5.39Average 5.4 Average | 14.41%Average 14.41% Average | 8.59%Poor 8.59% Poor | 6.70Poor 6.7 Poor | 15.38%Excellent 15.38% Excellent | 7.72%Good 7.72% Good | 1.82% |
Aadhar Housing Finance LtdAadhar Housing ... AADHARHFC • 544176 | 39.7/100 | ₹496.70₹497 | ₹22481.19₹22481.19 | 20.28Average 20.3 Average | 15.94%Good 15.94% Good | 11.38%Average 11.38% Average | 2.49Poor 2.5 Poor | 26.64%Excellent 26.64% Excellent | 18.52%Excellent 18.52% Excellent | 0.00% |
Sammaan Capital LtdSammaan Capital... SAMMAANCAP • 535789 | 5.5/100 | ₹162.43₹162 | ₹18981.71₹18981.71 | — — | -3.18%Poor -3.18% Poor | 4.92%Poor 4.92% Poor | 2.73Poor 2.7 Poor | — — | -3.97%Poor -3.97% Poor | 0.00% |
Aptus Value Housing Finance India LtdAptus Value Hou... APTUS • 543335 | 50.9/100 | ₹261.20₹261 | ₹14795.78₹14795.78 | 15.69Average 15.7 Average | 20.11%Excellent 20.11% Excellent | 15.41%Good 15.41% Good | 1.56Average 1.6 Average | 28.71%Excellent 28.71% Excellent | 27.94%Excellent 27.94% Excellent | 1.52% |
Home First Finance Company India LtdHome First Fina... HOMEFIRST • 543259 | 51/100 | ₹1189.00₹1189 | ₹13048.68₹13048.68 | 24.15Average 24.1 Average | 15.71%Good 15.71% Good | 11.13%Average 11.13% Average | 2.43Poor 2.4 Poor | 40.09%Excellent 40.09% Excellent | 31.47%Excellent 31.47% Excellent | 0.42% |
Can Fin Homes LtdCan Fin Homes L... CANFINHOME • 511196 | 45.6/100 | ₹820.60₹821 | ₹12049.83₹12049.83 | 11.10Average 11.1 Average | 19.66%Good 19.66% Good | 9.14%Poor 9.14% Poor | 6.40Poor 6.4 Poor | 18.94%Excellent 18.94% Excellent | 15.88%Excellent 15.88% Excellent | 1.66% |
Aavas Financiers LtdAavas Financier... AAVAS • 541988 | 50/100 | ₹1359.80₹1360 | ₹11897.43₹11897.43 | 18.17Average 18.2 Average | 13.92%Average 13.92% Average | 9.92%Poor 9.92% Poor | 3.11Poor 3.1 Poor | 17.74%Excellent 17.74% Excellent | 19.46%Excellent 19.46% Excellent | 0.00% |
India Shelter Finance Corporation LimitedIndia Shelter F... INDIASHLTR • 544044 | 63/100 | ₹726.50₹727 | ₹8881.99₹8881.99 | 17.65Average 17.6 Average | 17.04%Good 17.04% Good | 12.84%Average 12.84% Average | 1.95Average 1.9 Average | 41.90%Excellent 41.90% Excellent | 36.98%Excellent 36.98% Excellent | 1.23% |
Repco Home Finance LtdRepco Home Fina... REPCOHOME • 535322 | 28.2/100 | ₹385.10₹385 | ₹2553.76₹2553.76 | 5.37Average 5.4 Average | 12.73%Average 12.73% Average | 10.17%Average 10.17% Average | 3.02Poor 3.0 Poor | 9.63%Good 9.63% Good | 5.43%Good 5.43% Good | 1.10% |
Top Housing Finance Company Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Housing Finance Limited share price72891.30 Cr
- LIC Housing Finance Ltd share price30214.98 Cr
- Aadhar Housing Finance Ltd share price22481.19 Cr
- Sammaan Capital Ltd share price18981.71 Cr
- Aptus Value Housing Finance India Ltd share price14795.78 Cr
PNB Housing Finance Ltd PE Ratio History
Historical price-to-earnings ratio for PNBHOUSING — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹74.25 | ₹951.50 | 12.8x |
| FY 2024 | ₹58.20 | ₹877.70 | 15.1x |
| FY 2023 | ₹53.16 | ₹780.75 | 14.7x |
| FY 2022 | ₹41.02 | ₹533.55 | 13x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
PNB Housing Finance Ltd Quarterly Performance
Latest quarterly metrics for PNBHOUSING — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
7.90%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
19.15%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
2.26%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
19.70%
Compounded annual net profit growth over 5 years
PNB Housing Finance Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for PNBHOUSING — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
PNB Housing Finance Ltd Financial Statements
Annual income statement, balance sheet and cash flow for PNB Housing Finance Ltd (PNBHOUSING) — sourced from NSE/BSE filings.
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About PNBHOUSING (PNB Housing Finance Ltd)
PNB Housing Finance Ltd is a well-known player in India's housing finance market, helping people achieve their dream of owning a home. The company primarily offers loans to individ...uals and families looking to purchase, build, or renovate their homes. They also cater to businesses with financing options for commercial properties and construction projects. Their services extend to Non-Resident Indians (NRIs) looking to invest in Indian real estate. The company's core business revolves around home loans, but they also provide other loan products like loans against property and lease rental discounting, giving customers diverse options to meet their financial needs. They also offer fixed deposit schemes, allowing individuals to invest and grow their savings. PNB Housing Finance works with both individual customers and real estate developers, demonstrating their broad reach in the housing sector. While operating in a competitive market, PNB Housing Finance holds a significant position among housing finance companies in India. They have built a strong brand and a reputation for providing reliable and accessible financial solutions. Through a network of branches and digital platforms, they aim to make homeownership more accessible to a wide range of customers across the country.
Company Details
Key Leadership
Corporate Events
Latest News
PNBHOUSING Share Price: Frequently Asked Questions
What is the current share price of PNB Housing Finance Ltd?
PNB Housing Finance Ltd (PNBHOUSING) trades at ₹1090.00 on NSE and BSE. Market cap ₹28.77K (Cr). Educational data only.
What is the P/E ratio of PNB Housing Finance Ltd?
PNB Housing Finance Ltd has a P/E of 12.56x vs industry average 16.67x.
What is the Bull Run score for PNB Housing Finance Ltd?
PNB Housing Finance Ltd has a Bull Run score of 34.3/100 based on 25+ financial parameters.
Does PNB Housing Finance Ltd pay dividends?
PNB Housing Finance Ltd has a dividend yield of 0.72%. Past dividends don't guarantee future payments.
What is the ROE of PNB Housing Finance Ltd?
PNB Housing Finance Ltd has ROE of 12.70%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of PNB Housing Finance Ltd?
PNB Housing Finance Ltd has debt-to-equity of 3.70.
Is PNB Housing Finance Ltd a good investment?
Bull Run gives PNB Housing Finance Ltd a score of 34.3/100. This is not investment advice — consult a SEBI-registered advisor.